How to use USSD Based Mobile Banking for All Banks

USSD *99# Banking: Payment and Balance Check W/O Internet


How to use USSD Based Mobile Banking for All Banks.How to check my Bank Account balance? How to do Fund Transfer using my Mobile handset?This Awesome Trick  To Just Dail *99# – You are just Dail This Number & Get Your All Bank Details Or Facilitys In Your Mobile . Just Like Your Mini Statement Or Mini Transfer , Your All Account Details.USSD Based Mobile Banking, Check Bank Account Balance Offline, *99# USSD Mobile Based Banking, Mini statement and more without internet connectivity. India is gradually moving towards becoming a cashless economy, and the recent demonetization of old currency notes is serving as a catalyst in achieving PM Narendra Modi’s dream of Digital India.*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service from NPCI (National Payments Corporation of India) that brings together Banks & TSPs (Telecom Service Providers). Using *99# service, you as a bank customer can access mobile banking services by dialing *99# from your mobile that is registered with the bank.




The USSD Based Mobile Banking aims to make mobile banking easier for rural users, especially the non-English speaking ones. USSD Based Mobile Banking is available in 11 regional languages and can be accessed in the desired language using.National Payment Corporation of India (NPCI) launched unique service for GSM mobile subscribers across India, which will allows customer to check their bank Balance on any mobile and without internet connection by just dialing *99# USSD code.

USSD-based mobile banking enables you to send money, check account balance, mini statement and more without internet connectivity.



Hello Everyone ALL INDIAN BANK BALANCE CHECK – MISS CALL NUMBERS LIST (TOLL FREE). we posted articles about the ‘missed call balance enquiry’ number associated with various Government and Private Banks in India.

Mobile Banking services available under *99# ?

As of now, you can perform the  following Financial, Non-financial and Value Added Services (VAS) through *99# service;

  • Financial Services – Fund Transfers
  • Non-Financial Services
    • Bank Account Balance Enquiry
    • Mini Statement
    • Generate OTP (One Time Password)
    • Generate MPIN (Mobile banking Personal Identification Number)
  • Value Added Service – Dial *99# to check if your Bank account is linked to your Aadhaar number or not.

How to check bank balance on mobile by dialing *99# ?

1. GSM subscriber with any mobile handset can dial *99# and wait for display message.

2. Service will ask 7 digit MMID code to enter

3. obtain MMID code from your Bank online by logging to bank website or calling customer care.

4. After obtaining 7 digit MMID (mobile money identifier) code enter it and link your Bank account to your mobile number by following USSD instruction.

5. After successful linking and registering MMID with your phone number, customer can commence any Banking transaction like Checking account balance, Mini statement, Funds transfer etc. without any charge.

USSD code For Different Languages

You can also use it in your own language. Currently, this service is available in 10 regional languages along with Hindi and English. Therefore, it is the best banking solution for every common man. The supported languages are-

  1. English *99#
  2. Hindi *99*22#
  3. Tamil *99*23#
  4. Telugu *99*24#
  5. Malayalam *99*25#
  6. Kannada *99*26#
  7. Gujarati *99*27#
  8. Marathi *99*28#
  9. Bengali *99*29#
  10. Punjabi *99*30#
  11. Assamese *99*31#
  12. Oriya *99*32#

USSD Based Mobile Banking limitations

While the service does enable non-smartphone and non-internet users to send money using their phones, it is quite a tedious process. To begin with, once the USSD popup notification arrives, you have to respond within 10 seconds, or the process will get cancelled. When I was testing, I struggled to reach to step five as it would often throw an error saying External application down.’ It gets quite annoying as you have to start over again, and again at such times. Having said that, the service still seems in its nascent stages and improvements could be expected going forward.

How to access Mobile Banking Services?

The pre-requisite to use *99# service is that your mobile number should have been registered with your bank(s) for the mobile banking services. If you are already using mobile banking, you will be able to use this service without any additional registration by dialing *99# from your GSM mobile handset.

How to transfer money using USSD Based Mobile Banking Codes

Step 1: Dial *99#, type bank name, and when the interface opens, enter ‘3’ and tap send.

Step 2: Enter beneficiary mobile number.

Step 3: Enter beneficiary MMID, which you will have to get from the person you are sending money to.

Step 4: Next, you need to enter amount and remarks (separated by space). For instance, I transferred Rs 5 to test how this worksso it looks like “5 Test”

Step 5: In the final step, you have to enter your MPIN to authorize the transaction and last 4 digits of your account number (separated by space), and tap on send. That’s it, once your transaction is authorized, the money will be instantly credited to the recipients account.



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